Cindy W. Lee
Private Banker
Kingman Lowe
Senior Vice President,
Financial Advisor,
Senior Portfolio Manager,
Insurance Planning Director
Direct:
(925) 730-3865(925) 730-3865
Toll-Free:
(800) 755-6650(800) 755-6650
My Mission Statement
Experienced in delivering practical and effective wealth management strategies designed to help ensure a secure and confident lifestyle.
My Story and Services
For more than 25 years, Kingman has been committed to helping his client’s attain financial success through meticulous planning and prudent investing. He prides himself in taking the time to gain a thorough understanding of his client’s lifetime goals and aspirations. Though most financial roadmaps are built around linear calculations, many of us would agree that no one lives a "linear" life. Through the years, Kingman has learned that his relationships with clients are dynamic. Kingman is experienced in dealing with complex family dynamics, career and business challenges, health concerns, and special needs situations.
Kingman believes that a comprehensive plan should include more than wealth building and retirement income planning strategies; in addition, a truly robust plan should address issues such as liability management. Topics such as mortgage debt, life insurance, college funding, longevity and long-term care planning, business succession, wealth transition and protecting your legacy for the future are never overlooked.
Kingman is a native Californian from Castro Valley, California. His family owned a successful grocery business in the East Bay for over four decades. Growing up and working in the family business has not only provided him with a strong work ethic but a crucial understanding of what is required to build meaningful client relationships. He understands that only through accountability, open communication, trust, and transparency that both parties can achieve long lasting success. Kingman graduated from UC Santa Cruz with a double major in Biology and Environmental Studies. He also holds an Associate Investment Consultant (AIC) certification from the Wharton Business School at University of Pennsylvania. Kingman currently resides in San Ramon, California with his wife Mijean and children Madison and Mason. He enjoys traveling with his family, snowboarding, fishing, obstacle course racing (Spartan) and grilling.
Kingman is now a Senior Vice President and Financial Advisor with The 808 Group
Kingman believes that a comprehensive plan should include more than wealth building and retirement income planning strategies; in addition, a truly robust plan should address issues such as liability management. Topics such as mortgage debt, life insurance, college funding, longevity and long-term care planning, business succession, wealth transition and protecting your legacy for the future are never overlooked.
Kingman is a native Californian from Castro Valley, California. His family owned a successful grocery business in the East Bay for over four decades. Growing up and working in the family business has not only provided him with a strong work ethic but a crucial understanding of what is required to build meaningful client relationships. He understands that only through accountability, open communication, trust, and transparency that both parties can achieve long lasting success. Kingman graduated from UC Santa Cruz with a double major in Biology and Environmental Studies. He also holds an Associate Investment Consultant (AIC) certification from the Wharton Business School at University of Pennsylvania. Kingman currently resides in San Ramon, California with his wife Mijean and children Madison and Mason. He enjoys traveling with his family, snowboarding, fishing, obstacle course racing (Spartan) and grilling.
Kingman is now a Senior Vice President and Financial Advisor with The 808 Group
Services Include
- Wealth Consulting
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- 401(k) Rollovers
- Trust AccountsFootnote4
- AnnuitiesFootnote5
- Asset Management
- Corporate Retirement PlansFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Certificates of DepositFootnote9
- 529 PlansFootnote10
Securities Agent: SC, NM, MI, OR, WA, OK, MN, HI, VT, VA, UT, LA, WI, FL, NC, MO, ME, KS, CT, AL, PA, ID, RI, OH, NJ, MS, MD, IN, IL, GA, DC, CA, TX, AR, NY, NV, TN, MA, CO, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278777
CA Insurance License #: 0C69239
NMLS#: 1278777
CA Insurance License #: 0C69239
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We Stand For
We welcome the opportunity to listen to your personal story and are fortunate to share our client-centric model with you to demonstrate how we put your values above all else. We create an enhanced client experience through a dynamic and comprehensive strategic approach that helps address the entire balance sheet ensuring nothing is overlooked. We have extensive experience, and an unwavering commitment in order to build a suite of resources backed by the intellectual capital of Morgan Stanley.
1. Understanding
We begin with a conversation to truly understand what financial goals you would like to achieve and help address any of your concerns. Taking this information, we then carefully identify which of our services would best suit your financial objectives.
2. Analysis
After our initial conversation, we will review all relevant material to fully analyze your situation. We then establish and mutually define your goals, time horizon, and specific needs.
3. Plan Development
We carefully evaluate the best course of action to help meet each one of your goals, needs, and priorities. We then put together our list of recommendations to help you grow and preserve your wealth in order benefit your financial future.
4. Plan Presentation
Our next step is presenting your plan in detail, ensuring that you have a comprehensive understanding of all our investment recommendations, as well as other strategies aimed at reducing risk and striving towards your financial planning goals.
5. Plan Implementation
Upon your approval, we begin to implement the strategy that we outlined for each of your specific needs and goals.
6. Monitor
Committed to providing you with the best care, we strive to foster a long-term relationship. We frequently monitor the progress towards each of your goals and keep you informed every step of the way, adjusting your strategy as your life and needs change.
Talking Points
Empowering clients with practical and effective strategy and relevant knowledge is important to me. Exploring other perspective can lead to better insights into our decisions. Below I've contained some talking points consisting of important topics and questions that I think are worth your consideration. Feel free to contact me directly if you would like to discuss any of these further.
The Fundamentals of Investing
Financial Education is an important piece of my conversations with clients, friends, and family. The school year well under way, which is a helpful prompt to continue our own education and start the conversation with our own children. Investing can be a complicated and overwhelming journey, though understanding the fundamentals can help to make sense of the journey's purpose. It's important to keep the following tenets in mind:
○ Time is Money
○ It's easy to let emotions get in the way
○ Trying to time the market can be costly
○ Successfully investing involves fortitude and patience
○ Having a plan can help
○ Time is Money
○ It's easy to let emotions get in the way
○ Trying to time the market can be costly
○ Successfully investing involves fortitude and patience
○ Having a plan can help
Diversify Out Of Company Stock
For investors that have been with their company for a while, it is likely that your company stock makes up a strong concentration of your broader portfolio. Especially for buy-and-hold investors, remaining consistent with a schedule to rebalance a portfolio is a difficult task to pursue. It's difficult to time a diversification procedure without proper guidance. Where my clients have seen value has been in having conversations to discuss economic and market conditions as well as pertinent industry research, all while aligning strategies with personal financial goals. Consider the following and contact me if you would like to discuss.
When do you plan on retiring?
Are you on track to meet your goals and is the risk you're taking necessary?
Are you aware of your risk exposure?
When do you plan on retiring?
Are you on track to meet your goals and is the risk you're taking necessary?
Are you aware of your risk exposure?
Are You Assessing How Much You Are Funding Your Retirement?
It's likely that you've been told about the value of saving for retirement plenty more times than necessary. We all hear about the value of maxing out retirement plan contributions and that we should probably be saving more. Though saving more (where possible) is almost always a good idea to consider, it's important to monitor your progress in alignment with your personal and financial goals.
○ Am I planning on retiring in the next couple of years? If so, how will I generate income from my wealth?
○ Do I have a longer time horizon? Can I afford to take on additional risk in my portfolio?
○ Am I planning on retiring in the next couple of years? If so, how will I generate income from my wealth?
○ Do I have a longer time horizon? Can I afford to take on additional risk in my portfolio?
Reviewing Your Estate Plan
Your estate consists of everything in your name that makes up your net worth, which can include real estate, personal property, retirement accounts, brokerage accounts, cash, stocks, and bonds. The value of your estate will generally determine if your estate is subject to any estate taxes and how you title your assets carries implications in terms of how they are transferred at death. As part of your financial plan, it is essential to coordinate a strategy to manage your estate.
□ Have you made arrangements as to how your estate is going to be managed?
□ If so, what strategies are you planning to use?
□ Have you made arrangements as to how your estate is going to be managed?
□ If so, what strategies are you planning to use?
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients contained within the left column.
Feel free to also take a look at our other resources. Financial education leads to better insights into investment strategy and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth available on the right column.
Feel free to also take a look at our other resources. Financial education leads to better insights into investment strategy and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth available on the right column.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Total Wealth View
Online Security Center
Learn about our extensive security measures and take advantage of our vast array of resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Online Security Center
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Portfolio Risk Platform
Tax Loss Harvesting
Naturally, most people are unhappy when they see their investments decrease in value. Although we try to avoid losing on our investments, there is a silver lining, called tax loss harvesting. What is it exactly and how do some investors use it to reduce their taxes? Take a look at the article below for some additional background.
What is Tax Loss Harvesting?
2024 Tax Tables
Attached are the 2024 Tax Tables to assist with your investment decisions.
2024 Tax Tables
Morgan Stanley Total Tax 365
Taxes can erode portfolio returns and paying less in taxes through proactive tax management strengthens your ability to compound and grow your wealth.
Total Tax 365
The Value of Tax-Efficient Investing
Taxes are a substantial drag on investment returns that compound overtime, but small reductions in tax can have enormous consequences for wealth accumulation.
Tax-Efficient InvestingRetirement Navigation Process
If you and your family had a discussion three years from today, what has to have happened in a personal, professional and financial sense for you to be happy with your progress over those three years?
Take a look at the steps below to get a better sense of the important factors that affect your retirement.
Take a look at the steps below to get a better sense of the important factors that affect your retirement.
Step 1: Assets
Your assets may include, 401(K), 403(b), 457 plans, lump sum pensions, real estate, investment accounts, bank accounts, stock options, stock purchase plans, and business assets.
Step 2: Liabilities
In general, we advise our clients to be debt free in retirement. Before you retire, it's important to examine all your liabilities.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Step 3: Income
In retirement, you'll likely need to generate enough income to maintain your current lifestyle. You may have multiple sources of fixed income including pension payments and Social Security. You may also have other sources of fixed income as well during retirement.
Your retirement income gap is the amount above your fixed income needed to live on. The additional amount will likely need to be generated by your investments. We can design a custom retirement income plan for you and your family.
Your retirement income gap is the amount above your fixed income needed to live on. The additional amount will likely need to be generated by your investments. We can design a custom retirement income plan for you and your family.
Step 4: Expenses
Knowing what your expenses will be in retirement is critical. During the accumulation years of your life, savings rates are the key to success. During retirement however, withdrawal rates matter the most.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Step 5: Risk Management
It's important to make sure your plan has the proper guardrails to keep you and your family on track.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Step 6: Estate Planning Strategies
As you approach retirement, it's important to make sure your estate planning strategy is aligned with your investment and financial plans.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
Step 7: Assembling Your Team
Before and during retirement, it's important your personal tax advisor, personal estate planning attorney, and financial advisor communicate regularly and operate as a virtual team on your behalf. Your virtual team should meet with you and your family at least annually.
Step 8: Continued Monitoring
Approaching and during retirement, it's important to check up on your investment and financial plans to make sure they are on track.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Client Service Team
Perlita Gudilano - Senior Registered Associate
Phone:
(925) 730-3876(925) 730-3876
Email:perlita.gudilano@morganstanley.com
Perlita Gudilano is a Senior Registered Associate and Financial Planning Specialist* working with Kingman Lowe in Pleasanton, CA. Perlita graduated cum laude with a B.S. in Computer Science, major in Information Technology from Saint Louis University. Perlita has worked at Morgan Stanley since 2010. She spent 8 years in pharmaceutical and technology related fields before joining the investment services industry in 2003. *This role cannot solicit or provide investment advice.
Location
4309 Hacienda Drive
Ste 200
Pleasanton, CA 94588
US
Direct:
(925) 730-3865(925) 730-3865
Toll-Free:
(800) 755-6650(800) 755-6650
Fax:
(925) 730-3880(925) 730-3880
4309 Hacienda Drive
Suite 200
Pleasanton, CA 94588
US
Direct:
(800) 834-4434(800) 834-4434
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Cindy W. Lee
Cindy Lee is a Private Banker serving Morgan Stanley Wealth Management offices in the East Bay, California Market.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
NMLS#: 637460
Wealth Management
From My Desk
August 2023 Newsletter
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Kingman Lowe today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
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Awards Disclosures
CRC 6491812 (04/2024)
